--- title: "Pennsylvania Central Credit Union Rates: HELOC 5.75%, CDs to 5.75%" description: "Pennsylvania Central Credit Union rates today: HELOC from 5.75% APR, savings & CDs up to 5.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Pennsylvania Central Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/pennsylvania-central" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Pennsylvania Central Credit Union Rates: HELOC 5.75%, CDs to 5.75% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **84-Month Auto Loan** auto_any_84mo | — APR | 4.990% | 84 mo | Standard | | **Personal Signature** auto_any_60mo | — APR | 9.990% | 60 mo | Standard | Pennsylvania Central Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Up to 5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.750% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | 5.750% APR | 5.750% | — | Standard | | **Up to 10-Year Home Equity Loan (Fixed)** heloc_fixed | 6.490% APR | 5.750% | — | Standard | | **Up to 15-Year Home Equity Loan (Fixed)** heloc_fixed | 6.990% APR | 6.490% | — | Standard | | **HELOC (Variable)** heloc_variable | 7.000% APR | 7.000% | — | Standard | Pennsylvania Central Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.990% | — | Standard | Pennsylvania Central Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **VISA Traditional Credit Card** credit_card | — APR | 9.900% | — | Standard | | **VISA UChoose Rewards Credit Card** credit_card_rewards | — APR | 12.490% | — | Standard | Pennsylvania Central Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Christmas & Vacation Clubs** savings | 0.10% APY | 0.10% | — | Standard | | **Money Market** money_market | 0.25% APY | 0.25% | — | Standard | | **Certificate** cd | 1.76% APY | 1.75% | — | Standard | | **HD (Rewards) Checking** checking | 2.02% APY | 2.00% | — | Standard | | **Here’s what members need to do to begin earning High Dividends:** savings | — APY | 2.02% | — | Standard | | **Certificate** cd | 2.02% APY | 2.00% | — | Standard | | **HD Plus (Rewards) Checking** checking | 3.04% APY | 3.00% | — | Standard | | **Fixed - Up to 10 Years** cd_120mo | 5.75% APY | 5.75% | 120 mo | Standard | Pennsylvania Central Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Fixed - Up to 15 Years** other | 6.490% % | 6.490% | — | Standard | | **Fixed - Up to 20 Years** other | 6.990% % | 6.990% | — | Standard | Pennsylvania Central Credit Union other rates as of November 12, 2026 HELOC rates from 5.75% APR. Savings and certificate yields up to 5.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/pennsylvania-central) , verified from [Pennsylvania Central Credit Union's official website](https://www.pacentralfcu.com/) Best product position **Better than the Pennsylvania median** HELOC Gap to state best **125 bp** 125 bp from state best Vs. state median **28 bp better than median** HELOC Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 5.75% | Better than the Pennsylvania median | 125 bp from state best | 28 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Pennsylvania Central Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=pennsylvania-central&state=pennsylvania&code=PA&name=Pennsylvania%20Central%20Credit%20Union) Loading branch locator… ## About Pennsylvania Central Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.6K Assets $136.9M Founded 1938 Locations reported 6 NCUA charter 2625 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Members 1st** Derry Street Branch · Harrisburg · PA · 17111 About 1.6 miles away](https://rateapi.dev/credit-unions/pennsylvania/members-1st) [**Belco Community Credit Union** Operations Center · Harrisburg · PA · 17111 About 2.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/belco-community-credit-union) [**Central Susquehanna Community** VIZO FINANCIAL CORPORATE CREDIT UNION · Middletown · PA · 17057 About 3.1 miles away](https://rateapi.dev/credit-unions/pennsylvania/central-susquehanna-community) [**Pennsylvania State Employees** Elmerton Avenue · Harrisburg · PA · 17110 About 4.9 miles away](https://rateapi.dev/credit-unions/pennsylvania/pennsylvania-state-employees) [**Hershey** Hummelstown Office · Hummelstown · PA · 17036 About 5.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/hershey) [**New Cumberland** Harrisburg office · Harrisburg · PA · 17110 About 5.7 miles away](https://rateapi.dev/credit-unions/pennsylvania/new-cumberland) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Pennsylvania Central Credit Union Membership eligibility from Pennsylvania Central Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Pennsylvania Central Credit Union's website. Check the membership page below to confirm whether you qualify. - Location dauphin, lebanon, mifflin, cumberland — PA Verified from [Pennsylvania Central Credit Union's membership page](https://www.pacentralfcu.com/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Pennsylvania Central Credit Union Geography 4 counties · Family 2 18 published paths to membership, last verified August 27, 2026, quoted from Pennsylvania Central Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Cumberland County, PA - Dauphin County, PA - Lebanon County, PA - Mifflin County, PA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Dauphin County, PA; Lebanon County, PA; Mifflin County, PA; Waukesha County, WI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “or are you related to a Member?” > [source ↗](https://www.pacentralfcu.com/membership/) - Family member of a member - Family of a member related to a Member “Do you live, work, worship, attend school or conduct business in Dauphin, Cumberland or Lebanon Counties or are you related to a Member?” > [source ↗](https://www.pacentralfcu.com/membership/) - Family member (related to a Member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Pennsylvania Central Credit Union? Yes No ## Work at Pennsylvania Central Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Pennsylvania Central Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Pennsylvania Central Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=pennsylvania-central&state=pennsylvania&code=PA&name=Pennsylvania%20Central%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Pennsylvania Central Credit Union offer? Pennsylvania Central Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Pennsylvania Central Credit Union rates updated? RateAPI verifies Pennsylvania Central Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Pennsylvania Central Credit Union's rate data? Rate data is collected directly from Pennsylvania Central Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Pennsylvania Central Credit Union's HELOC rate? As of November 12, 2026, Pennsylvania Central Credit Union offers home equity lines of credit from 5.75% APR. ### What is Pennsylvania Central Credit Union's best CD rate? As of November 12, 2026, Pennsylvania Central Credit Union offers savings and certificate (CD) yields up to 5.75% APY. ### Who can join Pennsylvania Central Credit Union? Pennsylvania Central Credit Union publishes its membership criteria on its own website. RateAPI tracks 18 published membership paths covering 4 counties for Pennsylvania Central Credit Union, each quoted from Pennsylvania Central Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Pennsylvania Central Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.pacentralfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Pennsylvania Central Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Pennsylvania Central Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /pennsylvania-central " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Pennsylvania Central Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/pennsylvania-central Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp